What are structured products? 

Structured products may interest you if you are looking for investment growth or income with performance linked to an underlying index, for example FTSE100, but also want some protection against losing your capital.

Structured products usually offer some conditional capital protection which means that your capital is protected if the underlying asset, to which the performance is linked, does not lose more than a pre-specified amount.

It's worth remembering of course that 'protected' is not the same as 'guaranteed'. No investment is ever 100% secure. In certain circumstances (for example, if the company providing the investment becomes insolvent), you may lose some or all of your money.

Even if you are confident about the security of the protection, you need to weigh up the cost of these products with the benefits they can provide and what you are hoping to get out of your investments, for example, how much risk you are willing to take, whether you need a regular income, and whether you need access to your capital.

Before making any investment decisions you should discuss your investment needs and risk appetite with your financial adviser.

Past performance is no guarantee of future returns. The value of the investments and the income from them can go down as well as up and you may get back less than you invested. Where a transaction involves more than one currency you may be exposed to the risk of currency fluctuations.